Valuation, from the filing
| Public float | $498.80M | Market value of stock held by non-affiliates, as stated on the cover page for 2025-12-31 |
|---|---|---|
| Float per share | $13.24 | Float divided by shares outstanding in the same filing. A floor under the share price on that date, not the price itself. |
| Float / net income | 9.1× | A lower bound on the multiple, because affiliate holdings are excluded. |
| Float / revenue | 1.8× | A lower bound on the multiple, because affiliate holdings are excluded. |
| Float / equity | 1.0× | A lower bound on the multiple, because affiliate holdings are excluded. |
Every figure here is drawn from the 10-K cover page and the statements behind it, so each one traces to a filing. Public float counts only stock held by non-affiliates, which makes these floors rather than estimates: a high multiple is conclusive, a low one may mean cheap or may mean closely held. The float was measured on 2025-12-31, not today, and each multiple below it uses the figures for the fiscal year ending 2025-12-31 — the year that filing covered.
Valuation over time
9.1× earnings today, against a median of 9.1× across 5 years on record. In line with its own history.
| Float measured | Public float | Float / net income | |
|---|---|---|---|
| 2025-12-31 | $498.80M | 9.1× | |
| 2025-06-30 | $498.80M | 9.1× | |
| 2024-06-30 | $450.80M | 9.8× | |
| 2023-06-30 | $445.50M | 8.9× | |
| 2022-06-30 | $468.70M | 7.7× |
Each float is paired with the fiscal year the filing that stated it covers. Only years where the company reported positive net income appear, because a multiple against a loss is not a multiple.
How this compares in its industry
Percentile among the State Commercial Banks filers on this site, highest value first. A high percentile means a large figure, which is good for a margin and not for leverage — the ranking says where the company sits, not whether that is where it should be.
| Measure | Reported | Percentile | |
|---|---|---|---|
| FCF margin | 18.6% | 10th | |
| Effective tax rate | 16.1% | 10th | |
| SBC / revenue | 0.9% | 12th | |
| Net margin | 19.5% | 15th | |
| CapEx / revenue | 2.8% | 27th | |
| Long-term debt / equity | 0.18x | 62th | |
| Revenue YoY growth | 3.9% | 47th |
FARMERS NATIONAL BANC CORP /OH/ (FMNB) reported revenue of $323.62M and net income of $66.40M for the fiscal year ended 2026-06-30. This page shows 1 annual period of income statement, balance sheet and cash flow figures normalized from FARMERS NATIONAL BANC CORP /OH/’s SEC filings, each linked to the filing it came from. It is classified by the SEC under State Commercial Banks.
Banks, brokers and insurers present a top line that is not comparable with an operating company’s revenue: it is reported net of interest expense, or as premiums earned, depending on the filer. The figures are the filer’s own and are traceable to the filing; the comparison across classes is what does not hold.
Income
| Metric | 2026-06-30 |
|---|---|
| Revenue | $323.62M |
| Cost of revenue | Unavailable |
| Gross profit | Unavailable |
| Operating income | Unavailable |
| Net income | $66.40M |
| Research & development | Unavailable |
| Weighted-average diluted shares | Unavailable |
| Pretax income | $79.48M |
| Income tax expense | $13.08M |
| Diluted EPS | Unavailable |
| Selling, general & administrative | Unavailable |
| General & administrative | Unavailable |
| Selling & marketing | Unavailable |
Balance
| Metric | 2026-06-30 |
|---|---|
| Cash & equivalents | Unavailable |
| Total assets | $7.14B |
| Current assets | Unavailable |
| Total liabilities | $6.36B |
| Current liabilities | Unavailable |
| Total equity incl. NCI | $783.95M |
| Temporary (mezzanine) equity | Unavailable |
| Inventory | Unavailable |
| Accounts receivable | Unavailable |
| Goodwill | $271.38M |
| Long-term debt | $94.37M |
| Accounts payable | Unavailable |
Cash flow
| Metric | 2026-06-30 |
|---|---|
| Operating cash flow | $64.45M |
| Capital expenditures | $3.84M |
| Investing cash flow | $77.83M |
| Financing cash flow | -$68.27M |
| Net change in cash | $74.01M |
| Stock-based compensation | $2.58M |
| Common dividends paid | $29.14M |
| Common share repurchases | Unavailable |
| Depreciation & amortization | $8.12M |
Derived
| Metric | 2026-06-30 |
|---|---|
| Free cash flow | $60.61M |
| Gross margin | Unavailable |
| Operating margin | Unavailable |
| FCF margin | 18.7% |
| SBC / revenue | 0.8% |
| Current ratio | Unavailable |
| Revenue YoY growth | 16.7% |
| Net margin | 20.5% |
| R&D / revenue | Unavailable |
| CapEx / revenue | 1.2% |
| Long-term debt / equity | 0.12x |
| Effective tax rate | 16.5% |
Amounts are abbreviated; the exact reported value is carried in each cell. — means unavailable, not zero. Open FMNB in the interactive workspace to inspect any figure back to its filing.
Source filings
Every accounting identity this site checks — the balance sheet, the gross profit bridge and the cash flow statement — reconciles in every period shown.